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5 बेस्ट परफॉर्मिंग मल्टी एसेट एलोकेशन फंड्स 2022

Updated on December 22, 2024 , 40169 views

कुंजी में से एकनिवेश के लाभ बहु मेंपरिसंपत्ति आवंटन फंड यह है कि यह आपके पोर्टफोलियो को एक अच्छा विविधीकरण देता है, इस प्रकार निवेश जोखिम को कम करता है। इसके अतिरिक्त, जोखिम को जोखिम भरी और गैर-जोखिम भरी प्रतिभूतियों दोनों के साथ वितरित किया जाता है।

मल्टी एसेट एलोकेशन फंड हाइब्रिड कैटेगरी का हिस्सा हैं। इस स्कीम की खास बात यह है कि फंड तीन एसेट क्लास में निवेश कर सकता है। इसका मतलब है कि मल्टी एसेट एलोकेशन डेट, इक्विटी और एक और एसेट क्लास में निवेश कर सकता है। नियमों के मुताबिक, फंड को हर एसेट क्लास में कम से कम 10 फीसदी निवेश करना चाहिए। आइए जानें 2022 - 2023 में निवेश करने के लिए कुछ बेहतरीन प्रदर्शन करने वाले मल्टी एसेट एलोकेशन फंड के बाद वाले फंड के बारे में।

मल्टी एसेट एलोकेशन फंड: एक सिंहावलोकन

भारत मेंमंडी, कुछ फंड हाउस डेट, इक्विटी और साथ ही सोने में बहु-परिसंपत्तियों का निवेश करते हैं। जबकि, पश्चिमी बाजारों में, मल्टी-एसेट फंड डेट, रियल एस्टेट, गोल्ड, कमोडिटीज, इक्विटी से लेकर एसेट्स में निवेश करते हैं।हेज फंड, और निजी इक्विटी। ऐसा माना जाता है कि उस समय के दौरान कुछ परिसंपत्ति वर्ग ऊपर और नीचे जाते हैं, विभिन्न परिसंपत्ति वर्ग अच्छा प्रदर्शन कर सकते हैं। एक समय ऐसा भी हो सकता है जब कर्ज अच्छा प्रदर्शन करेगा, और एक समय ऐसा भी हो सकता है जहांइक्विटीज बेहतर प्रदर्शन करेगा। वही गोल्ड फंड के लिए जाता है। इसलिए, इस प्रकार के फंड में नुकसान की संभावना बहुत कम होती है। मल्टी एसेट एलोकेशन फंड में निवेश करने का सबसे अच्छा तरीका लंबी अवधि के लिए निवेश करना है।

इस प्रकार, ये फंड रूढ़िवादी निवेशकों के लिए एक अच्छा विकल्प हो सकते हैं जो निवेश में उच्च जोखिम नहीं लेना चाहते हैं, फिर भी अपने पोर्टफोलियो में इक्विटी एक्सपोजर चाहते हैं।

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टॉप 5 बेस्ट मल्टी एसेट एलोकेशन फंड्स FY 22 - 23

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2023 (%)
ICICI Prudential Multi-Asset Fund Growth	₹693.724 ↑ 2.00	₹50,988	-4.1	2.6	17.8	19.5	20.4	24.1
UTI Multi Asset Fund Growth	₹71.3566 ↓ -0.03	₹4,682	-4.1	3.9	22.1	18	15.5	29.1
Edelweiss Multi Asset Allocation Fund Growth	₹61.2 ↓ -0.04	₹2,267	-4.4	5.1	21.1	17.4	17.9	25.4
SBI Multi Asset Allocation Fund Growth	₹55.2979 ↑ 0.12	₹6,986	-2.7	1.8	14.3	14.4	14	24.4
HDFC Multi-Asset Fund Growth	₹66.839 ↑ 0.02	₹3,818	-3.2	2.8	14.9	12.2	14.9	18
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Dec 24

*ऊपर सर्वश्रेष्ठ की सूची हैबहु संपत्ति आवंटन ऊपर एयूएम/शुद्ध संपत्ति वाले फंड100 करोड़. पर छाँटा गयापिछले 3 साल का रिटर्न.

1. ICICI Prudential Multi-Asset Fund

(Erstwhile ICICI Prudential Dynamic Plan)

To generate capital appreciation by actively investing in equity and equity related securities. For defensive considerations, the Scheme may invest in debt, money market instruments and derivatives. The investment manager will have the discretion to take aggressive asset calls i.e. by staying 100% invested in equity market/equity related instruments at a given point of time and 0% at another, in which case, the fund may be invested in debt related instruments at its discretion. The AMC may choose to churn the portfolio of the Scheme in order to achieve the investment objective. The Scheme is suitable for investors seeking high returns and for those who are willing to take commensurate risks.

ICICI Prudential Multi-Asset Fund is a Hybrid - Multi Asset fund was launched on 31 Oct 02. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 21.1% since its launch. Ranked 53 in Multi Asset category. Return for 2023 was 24.1% , 2022 was 16.8% and 2021 was 34.7% .

Below is the key information for ICICI Prudential Multi-Asset Fund

ICICI Prudential Multi-Asset Fund Growth
Launch Date	31 Oct 02
NAV (23 Dec 24)	₹693.724 ↑ 2.00 (0.29 %)
Net Assets (Cr)	₹50,988 on 30 Nov 24
Category	Hybrid - Multi Asset
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	2.06
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,235
30 Nov 21	₹14,818
30 Nov 22	₹17,535
30 Nov 23	₹20,900
30 Nov 24	₹25,544

ICICI Prudential Multi-Asset Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 Invest Now

Returns for ICICI Prudential Multi-Asset Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 24

Duration	Returns
1 Month	-0.4%
3 Month	-4.1%
6 Month	2.6%
1 Year	17.8%
3 Year	19.5%
5 Year	20.4%
10 Year
15 Year
Since launch	21.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	24.1%
2022	16.8%
2021	34.7%
2020	9.9%
2019	7.7%
2018	-2.2%
2017	28.2%
2016	12.5%
2015	-1.4%
2014	37%

Fund Manager information for ICICI Prudential Multi-Asset Fund

Name	Since	Tenure
Sankaran Naren	1 Feb 12	12.84 Yr.
Manish Banthia	22 Jan 24	0.86 Yr.
Ihab Dalwai	3 Jun 17	7.5 Yr.
Akhil Kakkar	22 Jan 24	0.86 Yr.
Sri Sharma	30 Apr 21	3.59 Yr.
Gaurav Chikane	2 Aug 21	3.33 Yr.
Sharmila D’mello	31 Jul 22	2.34 Yr.
Masoomi Jhurmarvala	4 Nov 24	0.07 Yr.

Data below for ICICI Prudential Multi-Asset Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	35.79%
Equity	49.74%
Debt	9.07%
Other	5.04%

Equity Sector Allocation

Sector	Value
Financial Services	22.55%
Consumer Cyclical	7.97%
Basic Materials	6.06%
Energy	5.84%
Industrials	5.34%
Technology	4.69%
Health Care	4.66%
Consumer Defensive	4.03%
Utility	3.68%
Communication Services	1.45%
Real Estate	0.78%

Debt Sector Allocation

Sector	Value
Cash Equivalent	35.67%
Corporate	6.72%
Government	2.83%

Credit Quality

Rating	Value
A	1.98%
AA	22.48%
AAA	75.54%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 06 \| ICICIBANK	5%	₹2,411 Cr	18,656,800
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jan 22 \| HDFCBANK	4%	₹2,252 Cr	12,975,499 ↓ -776,050
Nifty 50 Index - \| -	4%	-₹2,245 Cr	920,450 ↑ 920,450
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Aug 21 \| MARUTI	4%	₹1,916 Cr	1,730,200 ↑ 159,613
ICICI Prudential Silver ETF - \| -	3%	₹1,762 Cr	179,691,983
NTPC Ltd (Utilities) Equity, Since 31 Mar 17 \| 532555	3%	₹1,573 Cr	38,544,163
Reliance Industries Ltd (Energy) Equity, Since 31 Dec 20 \| RELIANCE	3%	₹1,489 Cr	11,177,024 ↑ 800,000
Bajaj Finserv Ltd (Financial Services) Equity, Since 31 Jan 24 \| 532978	2%	₹1,214 Cr	6,934,716
SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services) Equity, Since 30 Nov 22 \| SBICARD	2%	₹1,087 Cr	15,794,626 ↑ 300,000
Infosys Ltd (Technology) Equity, Since 31 Oct 19 \| INFY	2%	₹1,005 Cr	5,720,805

2. UTI Multi Asset Fund

(Erstwhile UTI Wealth Builder Fund)

The objective of the Scheme is to achieve long term capital appreciation by investing predominantly in a diversified portfolio of equity and equity related instruments along with investments in Gold ETFs and Debt and Money Market Instruments. However, there can be no assurance that the investment objective of the Scheme will be achieved.

UTI Multi Asset Fund is a Hybrid - Multi Asset fund was launched on 21 Oct 08. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 12.9% since its launch. Ranked 34 in Multi Asset category. Return for 2023 was 29.1% , 2022 was 4.4% and 2021 was 11.8% .

Below is the key information for UTI Multi Asset Fund

UTI Multi Asset Fund Growth
Launch Date	21 Oct 08
NAV (24 Dec 24)	₹71.3566 ↓ -0.03 (-0.04 %)
Net Assets (Cr)	₹4,682 on 30 Nov 24
Category	Hybrid - Multi Asset
AMC	UTI Asset Management Company Ltd
Rating	☆
Risk	Moderately High
Expense Ratio	1.62
Sharpe Ratio	2.21
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,889
30 Nov 21	₹12,481
30 Nov 22	₹13,175
30 Nov 23	₹16,191
30 Nov 24	₹20,498

UTI Multi Asset Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 Invest Now

Returns for UTI Multi Asset Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 24

Duration	Returns
1 Month	0.4%
3 Month	-4.1%
6 Month	3.9%
1 Year	22.1%
3 Year	18%
5 Year	15.5%
10 Year
15 Year
Since launch	12.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	29.1%
2022	4.4%
2021	11.8%
2020	13.1%
2019	3.9%
2018	-0.5%
2017	17.1%
2016	7.3%
2015	-3.7%
2014	22.7%

Fund Manager information for UTI Multi Asset Fund

Name	Since	Tenure
Sharwan Kumar Goyal	12 Nov 21	3.05 Yr.
Jaydeep Bhowal	1 Oct 24	0.17 Yr.

Data below for UTI Multi Asset Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	24.93%
Equity	49%
Debt	13.9%
Other	12.17%

Equity Sector Allocation

Sector	Value
Consumer Cyclical	12.93%
Financial Services	9.63%
Technology	9.3%
Industrials	7.8%
Consumer Defensive	6.71%
Health Care	5.66%
Energy	5%
Basic Materials	3.93%
Communication Services	3.23%
Utility	1.81%
Real Estate	1.49%

Debt Sector Allocation

Sector	Value
Cash Equivalent	24.93%
Government	13.9%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
UTI Gold ETF - \| -	12%	₹542 Cr	80,729,086 ↓ -3,504,519
7.32% Govt Stock 2030 Sovereign Bonds \| -	5%	₹205 Cr	2,000,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	4%	₹178 Cr	1,750,000,000 ↑ 250,000,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 24 \| RELIANCE	4%	₹160 Cr	1,199,266 ↑ 170,130
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 24 \| BHARTIARTL	3%	₹114 Cr	706,666 ↑ 165,932
Infosys Ltd (Technology) Equity, Since 31 Mar 24 \| INFY	3%	₹110 Cr	628,694 ↑ 532,694
7.23% Govt Stock 2039 Sovereign Bonds \| -	2%	₹103 Cr	1,000,000,000
ICICI Bank Ltd (Financial Services) Equity, Since 29 Feb 24 \| ICICIBANK	2%	₹91 Cr	706,680 ↑ 555,210
Tata Consultancy Services Ltd (Technology) Equity, Since 29 Feb 24 \| TCS	2%	₹91 Cr	229,000 ↑ 62,799
Trent Ltd (Consumer Cyclical) Equity, Since 31 Oct 23 \| 500251	2%	₹88 Cr	123,450 ↑ 7,807

3. Edelweiss Multi Asset Allocation Fund

(Erstwhile Edelweiss Prudent Advantage Fund)

The objective of the Scheme is to generate returns through capital appreciation by investing in diversified portfolio of equity and equity-related securities, fixed income instruments and Gold Exchange Traded Funds. However, there is no assurance that the investment objective of the Scheme will be realized.

Edelweiss Multi Asset Allocation Fund is a Hybrid - Multi Asset fund was launched on 12 Aug 09. It is a fund with Moderately High risk and has given a CAGR/Annualized return of since its launch. Ranked 71 in Multi Asset category. Return for 2023 was 25.4% , 2022 was 5.3% and 2021 was 27.1% .

Below is the key information for Edelweiss Multi Asset Allocation Fund

Edelweiss Multi Asset Allocation Fund Growth
Launch Date	12 Aug 09
NAV (24 Dec 24)	₹61.2 ↓ -0.04 (-0.07 %)
Net Assets (Cr)	₹2,267 on 30 Nov 24
Category	Hybrid - Multi Asset
AMC	Edelweiss Asset Management Limited
Rating	☆
Risk	Moderately High
Expense Ratio	2.18
Sharpe Ratio	1.69
Information Ratio	1.84
Alpha Ratio	2.69
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,765
30 Nov 21	₹14,273
30 Nov 22	₹15,555
30 Nov 23	₹18,212
30 Nov 24	₹22,762

Edelweiss Multi Asset Allocation Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Returns for Edelweiss Multi Asset Allocation Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 24

Duration	Returns
1 Month	1.9%
3 Month	-4.4%
6 Month	5.1%
1 Year	21.1%
3 Year	17.4%
5 Year	17.9%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2023	25.4%
2022	5.3%
2021	27.1%
2020	12.7%
2019	10.4%
2018	-0.1%
2017	26.1%
2016	0.2%
2015	2.2%
2014	38.4%

Fund Manager information for Edelweiss Multi Asset Allocation Fund

Name	Since	Tenure
Bhavesh Jain	14 Oct 15	9.14 Yr.
Bharat Lahoti	1 Oct 21	3.17 Yr.
Rahul Dedhia	1 Jul 24	0.42 Yr.
Pranavi Kulkarni	1 Aug 24	0.33 Yr.

Data below for Edelweiss Multi Asset Allocation Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	12.51%
Equity	70.08%
Debt	17.41%

Equity Sector Allocation

Sector	Value
Financial Services	18.8%
Consumer Cyclical	12.22%
Technology	8.28%
Health Care	6.34%
Industrials	5.8%
Utility	4.53%
Energy	4.17%
Consumer Defensive	3.28%
Communication Services	2.83%
Basic Materials	2.82%
Real Estate	1.01%

Debt Sector Allocation

Sector	Value
Cash Equivalent	12.51%
Government	10.81%
Corporate	6.58%
Securitized	0.01%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.26% Govt Stock 2033 Sovereign Bonds \| -	6%	₹128 Cr	12,500,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 15 \| ICICIBANK	5%	₹119 Cr	922,915
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 15 \| HDFCBANK	3%	₹77 Cr	441,172
Hdb Financial Services Ltd. Debentures \| -	3%	₹74 Cr	7,500,000
6.54% Govt Stock 2032 Sovereign Bonds \| -	3%	₹74 Cr	7,500,000
NTPC Ltd (Utilities) Equity, Since 30 Nov 21 \| 532555	3%	₹65 Cr	1,602,337
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Oct 19 \| BHARTIARTL	3%	₹62 Cr	384,375
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 Oct 19 \| SUNPHARMA	3%	₹60 Cr	326,791
Infosys Ltd (Technology) Equity, Since 31 May 15 \| INFY	2%	₹47 Cr	269,725
HCL Technologies Ltd (Technology) Equity, Since 31 Jul 20 \| HCLTECH	2%	₹46 Cr	260,748

4. SBI Multi Asset Allocation Fund

(Erstwhile SBI Magnum Monthly Income Plan Floater)

To provide regular income, liquidity and attractive returns to investors in addition to mitigating the impact of interest rate risk through an actively managed portfolio of floating rate and fixed rate debt instruments, equity, money market instruments and derivatives.

SBI Multi Asset Allocation Fund is a Hybrid - Multi Asset fund was launched on 21 Dec 05. It is a fund with Moderate risk and has given a CAGR/Annualized return of 9.4% since its launch. Ranked 11 in Multi Asset category. Return for 2023 was 24.4% , 2022 was 6% and 2021 was 13% .

Below is the key information for SBI Multi Asset Allocation Fund

SBI Multi Asset Allocation Fund Growth
Launch Date	21 Dec 05
NAV (24 Dec 24)	₹55.2979 ↑ 0.12 (0.22 %)
Net Assets (Cr)	₹6,986 on 15 Dec 24
Category	Hybrid - Multi Asset
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.64
Sharpe Ratio	1.6
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,986
30 Nov 21	₹12,884
30 Nov 22	₹13,822
30 Nov 23	₹16,362
30 Nov 24	₹19,317

SBI Multi Asset Allocation Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for SBI Multi Asset Allocation Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 24

Duration	Returns
1 Month	0.3%
3 Month	-2.7%
6 Month	1.8%
1 Year	14.3%
3 Year	14.4%
5 Year	14%
10 Year
15 Year
Since launch	9.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	24.4%
2022	6%
2021	13%
2020	14.2%
2019	10.6%
2018	0.4%
2017	10.9%
2016	8.7%
2015	9.9%
2014	17.3%

Fund Manager information for SBI Multi Asset Allocation Fund

Name	Since	Tenure
Dinesh Balachandran	31 Oct 21	3.09 Yr.
Mansi Sajeja	1 Dec 23	1 Yr.
Pradeep Kesavan	1 Dec 23	1 Yr.
Vandna Soni	1 Jan 24	0.92 Yr.

Data below for SBI Multi Asset Allocation Fund as on 15 Dec 24

Asset Allocation

Asset Class	Value
Cash	8.52%
Equity	36.29%
Debt	39.38%
Other	15.81%

Equity Sector Allocation

Sector	Value
Financial Services	9.78%
Consumer Cyclical	6.51%
Technology	5.22%
Industrials	3.66%
Energy	2.49%
Basic Materials	2.33%
Utility	2.03%
Consumer Defensive	1.91%
Real Estate	0.92%
Health Care	0.9%
Communication Services	0.55%

Debt Sector Allocation

Sector	Value
Corporate	30.75%
Cash Equivalent	9.41%
Government	6.16%
Securitized	1.57%

Credit Quality

Rating	Value
A	3.62%
AA	62.71%
AAA	31.14%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SBI Gold ETF - \| -	10%	₹698 Cr	105,241,000 ↑ 2,000,000
Nippon India Silver ETF - \| -	3%	₹232 Cr	26,730,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	3%	₹207 Cr	20,000,000
Bharti Telecom Limited Debentures \| -	3%	₹202 Cr	20,000
Aditya Birla Renewables Limited Debentures \| -	3%	₹201 Cr	20,000
Tata Power Renewable Energy Ltd. (Guaranteed By Tata Power Ltd.) Debentures \| -	3%	₹200 Cr	20,000
SBI Silver ETF - \| -	3%	₹173 Cr	19,500,000
Infopark Properties Ltd. Debentures \| -	2%	₹160 Cr	16,000
Avanse Financial Services Limited Debentures \| -	2%	₹150 Cr	15,000
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 22 \| HDFCBANK	2%	₹129 Cr	721,000

5. HDFC Multi-Asset Fund

(Erstwhile HDFC Multiple Yield Fund - Plan 2005)

To generate positive returns over medium time frame with low risk of capital loss over medium time frame. However, there can be no assurance that the investment objective of the Scheme will be achieved

HDFC Multi-Asset Fund is a Hybrid - Multi Asset fund was launched on 17 Aug 05. It is a fund with Moderate risk and has given a CAGR/Annualized return of 10.3% since its launch. Ranked 33 in Multi Asset category. Return for 2023 was 18% , 2022 was 4.3% and 2021 was 17.9% .

Below is the key information for HDFC Multi-Asset Fund

HDFC Multi-Asset Fund Growth
Launch Date	17 Aug 05
NAV (24 Dec 24)	₹66.839 ↑ 0.02 (0.04 %)
Net Assets (Cr)	₹3,818 on 30 Nov 24
Category	Hybrid - Multi Asset
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.97
Sharpe Ratio	1.9
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-15 Months (1%),15 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹11,395
30 Nov 21	₹14,431
30 Nov 22	₹15,295
30 Nov 23	₹17,156
30 Nov 24	₹20,403

HDFC Multi-Asset Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for HDFC Multi-Asset Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 24

Duration	Returns
1 Month	-0.1%
3 Month	-3.2%
6 Month	2.8%
1 Year	14.9%
3 Year	12.2%
5 Year	14.9%
10 Year
15 Year
Since launch	10.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	18%
2022	4.3%
2021	17.9%
2020	20.9%
2019	9.3%
2018	-1.9%
2017	11.8%
2016	8.9%
2015	4.7%
2014	20.4%

Fund Manager information for HDFC Multi-Asset Fund

Name	Since	Tenure
Anil Bamboli	17 Aug 05	19.3 Yr.
Arun Agarwal	24 Aug 20	4.27 Yr.
Srinivasan Ramamurthy	13 Jan 22	2.88 Yr.
Bhagyesh Kagalkar	2 Feb 22	2.83 Yr.
Nirman Morakhia	15 Feb 23	1.79 Yr.
Dhruv Muchhal	22 Jun 23	1.45 Yr.

Data below for HDFC Multi-Asset Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	26.49%
Equity	46.84%
Debt	15.08%
Other	11.59%

Equity Sector Allocation

Sector	Value
Financial Services	22.62%
Consumer Cyclical	10.91%
Consumer Defensive	6.15%
Technology	4.96%
Health Care	4.96%
Industrials	4.52%
Energy	4.27%
Basic Materials	3.22%
Communication Services	2.86%
Utility	1.53%
Real Estate	1.04%

Debt Sector Allocation

Sector	Value
Cash Equivalent	26.49%
Government	7.61%
Corporate	6.16%
Securitized	1.31%

Credit Quality

Rating	Value
AA	6.83%
AAA	93.17%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Gold ETF - \| -	12%	₹443 Cr	64,290,017
HDFC Bank Ltd (Financial Services) Equity, Since 31 May 18 \| HDFCBANK	6%	₹224 Cr	1,291,600 ↑ 100,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Jun 18 \| ICICIBANK	5%	₹187 Cr	1,447,300 ↑ 128,400
Axis Bank Ltd (Financial Services) Equity, Since 31 Jan 21 \| 532215	5%	₹179 Cr	1,541,250 ↑ 50,000
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 18 \| RELIANCE	3%	₹125 Cr	936,500 ↑ 301,500
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 Mar 23 \| M&M	3%	₹116 Cr	424,050 ↑ 13,100
Future on Axis Bank Ltd Derivatives \| -	3%	-₹110 Cr
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Jun 18 \| BHARTIARTL	3%	₹108 Cr	667,550 ↑ 27,550
Future on Mahindra & Mahindra Ltd Derivatives \| -	3%	-₹106 Cr
United Spirits Ltd (Consumer Defensive) Equity, Since 28 Feb 21 \| UNITDSPR	3%	₹100 Cr	693,400 ↓ -37,200

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पूछे जाने वाले प्रश्न

1. मल्टी-एसेट एलोकेशन फंड आपके पोर्टफोलियो में विविधता कैसे लाता है?

ए: बहु-परिसंपत्ति आवंटन के साथ, आपका निवेश विभिन्न परिसंपत्तियों में किया जाता है, जो सुनिश्चित करता है कि आप स्थिर रहेंआय विभिन्न क्षेत्रों और बाजार चक्रों से।

2. बहु-परिसंपत्ति निवेश पोर्टफोलियो का सबसे बड़ा लाभ क्या है?

ए: एक बहु-परिसंपत्ति पोर्टफोलियो आपकी आवश्यकताओं के अनुरूप तैयार और अनुकूलित है। आपको अलग-अलग पोर्टफोलियो में अलग-अलग निवेश नहीं करना पड़ेगा। यह काफी कठिन साबित हो सकता है और इसके लिए आपकी ओर से व्यापक बाजार अनुसंधान की आवश्यकता होगी। इस प्रकार, स्थिर आय सुनिश्चित करने और यह सुनिश्चित करने का सबसे अच्छा तरीका है कि आप अपनी कमाई के पोर्टफोलियो में विविधता लाएं, एक बहु-परिसंपत्ति पोर्टफोलियो में निवेश करना है।

3. बहु-परिसंपत्ति पोर्टफोलियो निवेश कौन प्रदान करता है?

ए: एक्सिस ट्रिपल एडवांटेज फंड, एचडीएफसी मल्टी-एसेट फंड, एसबीआई मल्टी-एसेट एलोकेशन फंड, आईसीआईसीआई प्रूडेंशियल मल्टी-एसेट फंड और यूटीआई मल्टी-एसेट फंड जैसे प्रमुख बैंकों और वित्तीय संस्थानों द्वारा मल्टी-एसेट पोर्टफोलियो निवेश की पेशकश की जाती है।

4. मल्टी-एसेट फंड का सबसे बड़ा फायदा क्या है?

ए: सबसे बड़ा फायदा यह है कि इसमें कोई एक्जिट लोड नहीं है। साथ ही बाजार में घुसने या बाजार से निकलने में कोई दिक्कत नहीं है। अगर एक साल में निवेश को भुनाया नहीं जाता है और वह भी एक ही एक्जिट लोड लगता है1% आपके निवेश का। अगर आप बाजार छोड़ते हैं तो एक साल के बाद कोई एक्जिट लोड नहीं लगता है।

5. क्या मल्टी-एसेट फंड अच्छे निवेश हैं?

ए: मल्टी-एसेट फंड को मुख्य रूप से अच्छा निवेश माना जाता है क्योंकि ये कम जोखिम वाले निवेश होते हैं और अच्छे रिटर्न देने के लिए जाने जाते हैं। इसलिए यदि आप उच्च और निम्न-जोखिम वाले निवेशों के साथ अपने पोर्टफोलियो में विविधता लाना चाहते हैं, तो आप विचार कर सकते हैंनिवेश इस फंड में।

6. क्या मल्टी-एसेट फंड में निवेश करते समय मुझे कुछ पता होना चाहिए?

ए: अगर आप जल्दी रिटर्न की तलाश में हैं तो आपको इस फंड में निवेश नहीं करना चाहिए। मल्टी-एसेट को अच्छा रिटर्न देने में लगभग 5 साल लगते हैं। उदाहरण के लिए, यदि आप रुपये का निवेश करते हैं। 10,000, तो आपको अपने निवेश को रु. 14,972. इसलिए, भले ही आरओआई उत्कृष्ट हो, आपको अपने निवेश का एहसास करने के लिए कम से कम 5 साल तक इंतजार करना होगा।

7. मल्टी-एसेट फंड में निवेश करते समय मुझे किन बातों का ध्यान रखना चाहिए?

ए: जोखिम लेने की क्षमता और लक्ष्य तिथि जिसके द्वारा आप अपने निवेश का एहसास करना चाहते हैं - महत्वपूर्ण कारकों में से एक हैं। इन मापदंडों के आधार पर, आपको उपयुक्त बहु-परिसंपत्ति निवेश कोषों का चयन करना होगा।

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